But my point stands, do you need to do the type of banking that requires constant identification every day to the point where you need it always around it distracts you from what you’d like to be doing? If that’s true then the bank has completely captured you. Or leave your phone in your bag or at home and you shouldn’t have this issue.

The “I need my phone for banking” excuse is a vague reason to keep using it. They don’t need their phone for banking, they want their phone and banking is a convenient reason to placate that want.